Question 1

What is Akcept Bank?

Accepted Answer

Akcept Bank is a medium-sized regional Russian bank primarily operating in Siberia, with its main business concentrated in Novosibirsk Oblast. The bank serves both retail and corporate clients, offering a comprehensive range of banking services. Founded as one of Russia's early commercial banks, Akcept Bank holds a strong position within its regional market, ranking among the top three banks in the Novosibirsk region by financial indicators.

The bank is registered with the Central Bank of Russia under license number 567 and has been a participant in the deposit insurance system since November 18, 2004.

Question 2

When was Akcept Bank founded?

Accepted Answer

Akcept Bank was founded on October 24, 1990, during a transformative period for Russia's banking sector. The bank was established by six organizations from various industries based in Novosibirsk.

The 1990s to 2000s was a challenging era for Russia, marked by high inflation, economic stagnation, and an evolving legislative framework. Despite these difficulties, Akcept Bank emerged as one of the first commercial banks in the region and has continued to operate for over three decades. In 1995, the bank underwent significant changes in its shareholder structure, expanding to include more legal entities and individual shareholders.

Question 3

Where is Akcept Bank headquartered?

Accepted Answer

Akcept Bank is headquartered in Novosibirsk, with its main office located at 630099, Novosibirsk, Sovietskaya Street, 14. The bank also maintains a Moscow branch at 115184, Moscow, Pyatnitskaya Street, 76, which opened on September 22, 2009.

This dual-city presence allows the bank to maintain both its strong regional Siberian roots and a presence in Russia's capital city.

Question 4

Where does Akcept Bank operate?

Accepted Answer

Akcept Bank operates primarily across Siberia and Western Russia, with its network concentrated in Novosibirsk Oblast and neighboring regions. The bank maintains one full branch in Moscow and nine additional offices across several key cities and regions.

The additional offices are located in Barnaul (Altai Krai), Berdsk (Novosibirsk Oblast), multiple locations throughout Novosibirsk city including the Kalininsky, Koltsovo, Krasnooobsky, Leninsky, and Sovetsky districts, as well as offices in Krasnoyarsk and Omsk. This regional network positions the bank as a significant financial institution within Siberia, particularly in Novosibirsk Oblast where it ranks among the top three banks.

Question 5

What services does Akcept Bank offer?

Accepted Answer

Akcept Bank provides a comprehensive suite of banking services for both individuals and businesses. For retail clients, the bank offers mortgage loans, consumer credit, auto loans, credit cards, deposits and savings accounts, insurance services, and premium "Status" program services for high-value customers.

For corporate clients, Akcept Bank provides corporate lending and bank guarantees, payroll projects, leasing services, business card issuance and servicing, corporate deposits, settlement and cash services, acquiring services, brokerage services, and foreign currency operations. The bank also serves financial institutions with operations across money, currency, and securities markets, along with correspondent banking services.

Digital services include the Akcept-Online mobile application for retail customers and Akcept Business mobile app for corporate clients, both offering comprehensive online banking capabilities. Internet banking operates on the Faktura platform by CFT, enabling remote account management, payment processing, and document exchange. The bank also offers SMS notifications and an "Online Control" service for enhanced security.

Question 6

What makes Akcept Bank unique?

Accepted Answer

Akcept Bank distinguishes itself through its strong regional focus in Siberia, where it holds leadership positions in Novosibirsk Oblast. The bank ranks second or third in its region across multiple financial indicators, including assets (approximately 20.5 billion rubles), credit portfolio (13 billion rubles), and retail deposits (8.8 billion rubles).

The bank emphasizes corporate and small-to-medium business banking as core activities, while maintaining robust retail services. Akcept Bank joined the customs guarantee registry in November 2013, allowing it to issue bank guarantees for customs duties and taxes, expanding services for clients engaged in foreign economic activity.

In 2013, the bank underwent a significant technological upgrade by implementing the IBSO automated system, which enhanced service speed, operational efficiency, and reduced technical errors. The bank maintains relationships with international payment systems including VISA and MIR, and participates in Russia's Faster Payment System (FPS) for instant transfers.

Question 7

What type of financial institution is Akcept Bank?

Accepted Answer

Akcept Bank is a universal commercial bank (aktsionernoye obshchestvo, or joint-stock company) operating under Russian banking regulations. As a universal bank, it provides both retail and corporate banking services, distinguishing it from specialized financial institutions.

The bank holds the full spectrum of Russian banking licenses, including licenses for attracting deposits from individuals in rubles and foreign currency, and for conducting banking operations with funds in rubles and foreign currency. Its BIK (Bank Identification Code) is 045004815, and its SWIFT code is AJSCRU55XXX. The bank is classified as a medium-sized regional institution, ranking in the 100-150 range among Russian banks by assets and operating primarily at the regional level rather than as a federal-scale institution.

Question 8

Who owns Akcept Bank?

Accepted Answer

Akcept Bank's ownership structure includes both corporate and individual shareholders. The major shareholders include three limited liability companies: Tomskaya Volna LLC, TechnoStroyAllianz LLC, and Siberian Business Center LLC.

Individual shareholders include Pavel Yezubov, who holds approximately 73.83% of the bank's shares and is a former member of the supervisory board of Soyuz Bank, and Andrey Zagorsky. The bank's share capital is approximately 740 million rubles. This mixed ownership structure of corporate entities and significant individual shareholders is typical for medium-sized regional Russian banks.

Question 9

What ratings does Akcept Bank hold?

Accepted Answer

Akcept Bank holds credit ratings from two major Russian rating agencies. The National Rating Agency (Ekspert RA) has assigned the bank a rating of ruBBB- with a developing outlook, indicating satisfactory creditworthiness.

The National Credit Ratings agency (NKR) has assigned the bank a rating of BB+.ru on the national scale. These ratings reflect the bank's moderate credit quality and stable regional position. The bank's financial standing as of recent assessments shows it ranking around 111th place by balance sheet size and 130th place by net assets among Russian banks, placing it firmly in the middle tier of the country's banking sector.

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